 it's a gain of a million dollars or more, is either subject to taxing at ordinary income tax rates, not the long-term capital gain tax rates, and the ability to be as high as 44.6%. Now that's according to our tax team, that's according to things that have been out in the Wall Street Journal, very reputable publications, as well as tenured CPAs with 20, 30 plus years experience. So let me talk to you about the biggest areas